Refunds

Tarotalyze (www.tarotalyze.com) is operated by Antreprenor Independent „ALEXANDR OGLAȘEVICI” (an individual entrepreneur under the law of the Republic of Moldova), IDNO 1026023000934, registered on 07.01.2026, Chișinău, Republic of Moldova. You can reach us at [email protected] — that is the address every refund request goes to. What the site sells is credits: one credit is spent on one generation of text by artificial intelligence. Credits are bought in packages — Light (7 credits), Standard (22 credits) and Premium (75 credits) — in a single one-off payment. This is not a subscription: nothing renews automatically, nothing is taken from your card without a new order from you, and there is no per-minute billing. A tarot reading costs between 1 and 3 credits depending on the size of the spread, and the cost in credits is shown before you order. Purchased credits do not expire and remain in your account until you use them. On registration you receive 1 free credit, so that you can try the service before paying anything.

Prices are shown on the payment page before purchase, in the currency of the payment method available to you: today these are Russian roubles (RUB), US dollars (USD) and euro (EUR), and once direct card payment through the bank starts working, prices will also be shown in Moldovan lei (MDL). We are not registered as a VAT payer, because turnover does not reach the registration threshold set by art. 112 (1) of the Tax Code of the Republic of Moldova — 1.7 million lei over any 12 consecutive months. The prices shown therefore contain no VAT, and no VAT is added to them. We refund exactly the amount we received from you, in the same currency in which the payment was made. If the payment goes through an intermediary acting as the seller (Merchant of Record), the taxes applicable in your country are determined and collected by that intermediary, and you see the final amount on its payment page before you confirm. Fees charged by your own bank and exchange-rate differences never reach us, so we cannot refund them; they are settled with whoever applied them.

Today payment is made through the intermediary Lava.top, which acts as Merchant of Record and accepts payment in RUB, USD and EUR. Direct card payment through the e-commerce system of BC „Moldova Agroindbank” S.A. (maib) is being connected: it is not in operation yet and appears on the payment page only once it actually works — at that point the seller will be the entrepreneur named in clause 1 and the payment will be made in Moldovan lei. Card details are always entered on the secure page of the intermediary or of the bank: we do not see them, do not receive them and do not store them. This section is the only place in this policy where payment methods are listed. If we add a new method, it will be added here, and the rest of the rules below will continue to apply unchanged — they are written in terms of the method you actually paid with, not in terms of any particular provider.

Law no. 105/2003 on consumer protection gives you the right to withdraw from a distance contract within 14 days without giving any reason. Credits, however, are digital content that is not supplied on a physical medium and becomes available immediately, and for such content the law provides an exception: the right of withdrawal is lost if you have given your express consent to performance beginning before the 14 days expire and have confirmed that you know you thereby lose that right. That is why the payment page has two separate checkboxes, the second of which is the one that gives this consent; without them the purchase cannot even begin — our server refuses to create the payment when the confirmations are missing. What we record is this: the moment of your consent by our server's clock (not by your browser's), and the dates of the editions of the Terms of Service and of this Refund Policy that were shown to you at the moment of purchase. All of it is written into the same payment record, which is created before you are taken to the payment page. We deliberately do not record your IP address or details of your device: the payment record together with the time and the document editions is enough to establish what you read and accepted, and we would rather not keep personal data we do not need. This is the reason there is no “refund my money” button in your account: once consent is given, withdrawal no longer operates automatically, and a refund is examined in the situations described below. Giving up the right of withdrawal does not deprive you of your other rights: if the service was not provided, or was provided improperly, you get your money back regardless.

We refund in full in the following situations: the same order was paid twice, or the amount was charged several times for a single payment; the money was taken but the credits were not added to your account; the payment was made without your authorisation and our check confirms it. We also refund in the event of a technical failure on our side: if a credit was consumed but the text was not delivered to you, we restore the credit or, if you prefer, refund the corresponding amount. As a rule of our own, more generous than the law requires after the consent described in clause 4, we also refund the full amount when not a single credit from the purchased package has been spent and you write to us within 14 days of payment — in that case you do not have to explain your reason. If we suspend an account for breach of the Terms of Service, credits that were paid for and not used are refunded on request. We refund payments for packages whose credits have not been spent in three further situations, all of them foreseen by the Terms of Service: if it turns out that the account belongs to a person under 18, we close the account and return the money to whoever made the payment; if circumstances of force majeure last more than 30 days and either party terminates the agreement; and if you do not accept a new version of the Terms of Service or of this policy, stop using the service and ask for your money back. We likewise refund packages whose credits have not been spent, on request, while the service is temporarily suspended under clause 17 of the Terms of Service and you do not wish to wait for it to resume. If part of the package has already been used, clause 7 explains how such a request is settled.

Credits already spent are not refunded: the service was rendered at the moment the text was generated and made available to you. We do not refund because you did not like the content of the answer, because the interpretation seemed too general, or because what the text said did not come true: the texts are produced by an artificial-intelligence model rather than by a human consultant, they are offered for entertainment and self-reflection, and their outcome is not and cannot be guaranteed — this is stated explicitly in the Terms of Service. The free credit granted at registration is not refunded, because nothing was paid for it. Fees withheld by your bank and exchange-rate differences are not refunded, because we never received them. The fact that credits have gone unused for a long time is not a ground for a refund: credits do not expire and remain available in your account. This does not apply while the service is temporarily suspended under clause 17 of the Terms of Service: during that time clause 5 applies.

A refund always covers a whole package, in the full amount of that payment. We do not calculate a proportional refund for the part of a package you have not used — neither the bank nor the intermediary performs such a calculation for us, and we do not want to promise an arithmetic we cannot carry out. Refunding a package means taking back the credits it gave you. When a request is approved, we deduct from your balance as many credits as are actually there, but never more than the size of the package: with a balance of 30 credits and a package of 22, eight credits stay with you. If fewer credits remain than the package contained, the shortfall is written as a number into your credit history, the balance is never driven below zero, and credits already spent are not restored. If part of the package has already been used, we tell you so and agree with you what to do: either we refund the full amount of that payment and withdraw the credits under the rule just described, or the package stays in your account as it is. Every movement — purchase, spending, withdrawal on refund — is visible in the credit history in your account.

Write to [email protected] from the address your account is registered with — that is the simplest way for us to confirm the request comes from the account holder. State the date of payment, the amount and currency, the method you paid with and, if you have it, the order or transaction number you received from the bank or the intermediary. Describe briefly what happened; in the case of an untouched package under clause 5 you do not need to give a reason. We reply within 5 business days of receiving the request, and if we need further information we ask for it within the same period. We charge nothing for examining a request.

A refund is always made by the same route the payment took: through the same payment provider and back to the same instrument — the card, account or address the money came from. We do not refund to a different card, to another person's account, or by any method other than the one used for payment: this is a security requirement of the payment systems rather than a choice of ours, and it protects the payer as well. The amount is returned in the currency in which it was received. Where the payment went through the intermediary, the refund is carried out in the intermediary's own system, and the credits are withdrawn from your balance by us, by hand, on the day we approve the request; for a direct card payment through the bank both actions are performed at once by our system. Once we approve a request we initiate the refund within 5 business days. When the money actually appears in your account is decided by the bank that issued your card and normally takes up to 10 business days — that period does not depend on us and we do not promise a shorter one. If the method used for payment is no longer available or does not technically allow a reverse transfer, we agree with you on a way of returning the money to the same payer and confirm in writing what was agreed.

If money was taken but credits did not appear in your account, write to us: we check the payment and either add the credits or refund the full amount — whichever you prefer. If a payment failed but the amount looks charged on your card, this is usually not a charge at all: banks hold the amount at authorisation and release it themselves, normally within a few business days; if that does not happen, write to us and we will check whether the transaction ever reached us. If you see a payment to us on your statement that you did not make, tell us as soon as possible and tell your bank at the same time: we immediately stop any further operations on the account and, if the check confirms the payment was not authorised by you, we refund the full amount.

Please write to us first, before disputing the payment with your bank. This is not a formality: a request sent to [email protected] is examined within 5 business days at most and costs nobody anything, whereas a bank dispute (chargeback) travels through your bank, the payment system and our bank and normally takes from several weeks to several months — during all of which the money is neither with you nor with us. In the overwhelming majority of cases the matter is settled the same day, straight over email. While a bank dispute is open we may suspend the purchase of new credits on that account, because the amount is frozen in the procedure; we do not block the account itself and do not restrict your access to credits you have already bought (a temporary suspension of the whole service under clause 17 of the Terms of Service is a separate case, governed by that clause), and once the procedure is closed the account returns to normal. If a dispute has been opened over a payment we have already refunded, please withdraw it, so that the same amount is not returned twice.

If our answer does not satisfy you, say so in the same email thread: we re-examine the request and explain the reasons for the decision. As a consumer you may also apply to the State Inspectorate for the Surveillance of Non-Food Products and Consumer Protection (ISSPNPC, formerly the Consumer Protection and Market Surveillance Agency): MD-2012, Chișinău, str. Vasile Alecsandri 78, telephone 022 51-51-51, email [email protected], www.consumator.gov.md. Disputes are settled amicably, and failing agreement — by the competent courts of the Republic of Moldova, under the law of the Republic of Moldova.

We may amend this policy. The version in force is always published on this page, with the date of the last update shown at the top. Changes do not apply retroactively: a payment already made is governed by the version of the policy in force on the day of payment — the same version whose date was recorded together with your consent as described in clause 4.

The Romanian version of this policy is the official one. The Russian and English translations are provided for your convenience; in the event of any discrepancy between versions, the Romanian text prevails.